Have The Doors Opened Wider Trends In Homeownership Rates By Race And Income
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Have The Doors Opened Wider Trends In Homeownership Rates By Race And Income
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Author : Raphael W. Bostic
language : en
Publisher:
Release Date : 2002
Have The Doors Opened Wider Trends In Homeownership Rates By Race And Income written by Raphael W. Bostic and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with categories.
Homeownership among U.S. families increased notably in recent years, from 63.9 percent in 1989 to 66.2 percent in 1998. This paper examines this trend and the factors contributing to it. We find that (1) homeownership rose for all racial, ethnic, and income groups; (2) the differences in homeownership between minority and nonminority families and between middle-income and lower-income families declined significantly; and (3) changes in family-related characteristics explain homeownership trends among only the top two income quintiles. Among the lower two income quintiles, family-related characteristics explain almost none of the increase in homeownership. This pattern suggests that the favorable economic climate of the last decade, changes in mortgage and housing markets, and changes in the regulations governing those markets account for the increase in homeownership among lower-income families.
Have The Doors Opened Wider
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Author : Raphael W. Bostic
language : en
Publisher:
Release Date : 2000
Have The Doors Opened Wider written by Raphael W. Bostic and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Home ownership categories.
Have The Doors Opened Wider Trends In Homeowneship Rates By Race And Income
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Author : Raphael Bostic
language : en
Publisher:
Release Date : 2000
Have The Doors Opened Wider Trends In Homeowneship Rates By Race And Income written by Raphael Bostic and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with categories.
Low Income Homeownership
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Author : Nicolas P. Retsinas
language : en
Publisher: Brookings Institution Press
Release Date : 2004-05-28
Low Income Homeownership written by Nicolas P. Retsinas and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004-05-28 with Political Science categories.
A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities, have risen to record levels. These groups are no longer at the margin of the housing market; they have benefited from more flexible underwriting standards and greater access to credit. However, there is still a racial/ethnic gap and the homeownership rates of minority and low-income households are still well below the national average. This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities. The book is divided into five chapters which focus on the following subjects: homeownership trends in the 1990s; overcoming borrower constraints; financial returns to low-income homeowners; low-income loan performance; and the socioeconomic impact of homeownership.
Analyzing The Effects Of Financial And Housing Wealth On Consumption Using Micro Data
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Author : Carlos Caceres
language : en
Publisher: International Monetary Fund
Release Date : 2019-05-24
Analyzing The Effects Of Financial And Housing Wealth On Consumption Using Micro Data written by Carlos Caceres and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-05-24 with Business & Economics categories.
This paper analyzes the existence of “wealth effects” derived from net equity (in the form of housing, financial assets, and total net worth) on consumption. The study uses longitudinal household-level data?from the Panel Study of Income Dynamics (PSID) ?covering about 7,000-9,000 households in the U.S., with the estimations carried over the period 1999-2017. Overall, wealth effects are found to be relatively large and significant for housing wealth, but less so for other types of wealth, including stocks. Furthermore, the analysis shows how these estimated marginal propensities to consume (MPC) from wealth are closely linked to household characteristics, including income and demographic factors. Finally, underlying structural changes in household characteristics point to potentially lower aggregate MPCs from wealth going forward.
Urban Research Monitor
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Author :
language : en
Publisher:
Release Date : 1998
Urban Research Monitor written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Community development categories.
The Affordable Housing Reader
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Author : J. Rosie Tighe
language : en
Publisher: Routledge
Release Date : 2013
The Affordable Housing Reader written by J. Rosie Tighe and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Architecture categories.
The Affordable Housing Reader brings together classic works and contemporary writing on the themes and debates that have animated the field of affordable housing policy as well as the challenges in achieving the goals of policy on the ground. The Reader - aimed at professors, students, and researchers - provides an overview of the literature on housing policy and planning that is both comprehensive and interdisciplinary. It is particularly suited for graduate and undergraduate courses on housing policy offered to students of public policy and city planning. The Reader is structured around the key debates in affordable housing, ranging from the conflicting motivations for housing policy, through analysis of the causes of and solutions to housing problems, to concerns about gentrification and housing and race. Each debate is contextualized in an introductory essay by the editors, and illustrated with a range of texts and articles. Elizabeth Mueller and Rosie Tighe have brought together for the first time into a single volume the best and most influential writings on housing and its importance for planners and policy-makers.
The Idea Of Home In Law
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Author : Lorna Fox O'Mahony
language : en
Publisher: Routledge
Release Date : 2016-03-03
The Idea Of Home In Law written by Lorna Fox O'Mahony and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-03 with Social Science categories.
The Idea of Home in Law: Displacement and Dispossession explores an important set of legal and policy issues surrounding the concepts of home and homelessness, taking a growing area of legal scholarship into the new arena of human rights and international law. The collection considers the ideas concerning home - both in the sense of the dwelling place as a special type of property, and territorial claims to homeland - which underpin many contemporary legal problems, by examining a range of contexts where people are displaced or dispossessed from their homes. The essays focusing on dispossession consider themes ranging from mortgage and rent arrears in the UK to responses to the foreclosure crisis in the USA, and from eviction for the purposes of economic development in South Africa to the exclusion of asylum seekers from the UK's social housing and welfare provision, and within the framework of the European Convention on Human Rights. The displacement theme, meanwhile, examines transnational 'home' issues from the experiences of exiles and refugees in areas of conflict to the impact of the broader context of economic, social and cultural rights on attempts to protect housing and home through international law. At the heart of each essay the contributors, experts from across the fields of law, policy, and housing rights, examine the circumstances in which displacement and dispossession take place, and reconsider how law and policy respond to such circumstances with a particular focus on the impact of loss of home for the human person. At a time of particular and increasing concern about security of tenure and the role of law and policy in protecting people who are vulnerable to forced eviction, The Idea of Home in Law presents a bold opportunity to raise questions about the 'rights' and norms associated with housing and home, and to generate new insights for scholarship and for national and international policy debates concerning displacement and dispossession.
No Place Like Home
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Author : Brian J. McCabe
language : en
Publisher: Oxford University Press
Release Date : 2016-03-18
No Place Like Home written by Brian J. McCabe and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-18 with Social Science categories.
In the decade following the housing crisis, Americans remain enthusiastic about the prospect of owning a home. Homeownership is a symbol of status attainment in the United States, and for many Americans, buying a home is the most important financial investment they will ever make. We are deeply committed to an ideology of homeownership that presents homeownership as a tool for building stronger communities and crafting better citizens. However, in No Place Like Home, Brian McCabe argues that such beliefs about the public benefits of homeownership are deeply mischaracterized. As owning a home has emerged as the most important way to build wealth in the United States, it has also reshaped the way citizens become involved in their communities. Rather than engaging as public-spirited stewards of civic life, McCabe demonstrates that homeowners often engage in their communities as a way to protect their property values. This involvement contributes to the politics of exclusion, and prevents particular citizens from gaining access to high-opportunity neighborhoods, thereby reinforcing patterns of residential segregation. A thorough analysis of the politics of homeownership, No Place Like Home prompts readers to reconsider the power of homeownership to strengthen citizenship and build better communities.
The Geography Of Opportunity
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Author : Xavier de Souza Briggs
language : en
Publisher: Rowman & Littlefield
Release Date : 2006-03-30
The Geography Of Opportunity written by Xavier de Souza Briggs and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-03-30 with Political Science categories.
A popular version of history trumpets the United States as a diverse "nation of immigrants," welcome to all. The truth, however, is that local communities have a long history of ambivalence toward new arrivals and minorities. Persistent patterns of segregation by race and income still exist in housing and schools, along with a growing emphasis on rapid metropolitan development (sprawl) that encourages upwardly mobile families to abandon older communities and their problems. This dual pattern is becoming increasingly important as America grows more diverse than ever and economic inequality increases. Two recent trends compel new attention to these issues. First, the geography of race and class represents a crucial litmus test for the new "regionalism"—the political movement to address the linked fortunes of cities and suburbs. Second, housing has all but disappeared as a major social policy issue over the past two decades. This timely book shows how unequal housing choices and sprawling development create an unequal geography of opportunity. It emerges from a project sponsored by the Civil Rights Project at Harvard University in collaboration with the Joint Center for Housing Studies and the Brookings Institution. The contributors—policy analysts, political observers, social scientists, and urban planners—document key patterns, their consequences, and how we can respond, taking a hard look at both successes and failures of the past. Place still matters, perhaps more than ever. High levels of segregation shape education and job opportunity, crime and insecurity, and long-term economic prospects. These problems cannot be addressed effectively if society assumes that segregation will take care of itself. Contributors include William Apgar (Harvard University), Judith Bell (PolicyLink), Angela Glover Blackwell (PolicyLink), Allegra Calder (Harvard), Karen Chapple (Cal-Berkeley), Camille Charles (Penn), Mary Cunningham (Urban Institute), Casey Dawkins (Virginia Tech), Stephanie DeLuca (Johns Hopkins), John Goering (CUNY), Edward Goetz (U. of Minnesota), Bruce Katz (Brookings), Barbara Lukermann (U. of Minnesota), Gerrit Knaap (U. of Maryland), Arthur Nelson (Virginia Tech), Rolf Pendall (Cornell), Susan J. Popkin (Urban Institute), James Rosenbaum (Northwestern), Stephen L. Ross (U. of Connecticut), Mara Sidney (Rutgers), Phillip Tegeler (Poverty and Race Research Action Council), Tammy Tuck (Northwestern), Margery Austin Turner (Urban Institute), William Julius Wilson (Harvard).